Keep It Simple, Silly!That's what this book does - it simlifies the life insurance debate. Along with "What's Wrong With Your Life Insurance" by Norman Dacey, this is one of the best books written about the subject.

Life insurance has been made hopelessly complex by the companies and agents selling cash-value insurance. Keep it simple...buy Term and do your investing elsewhere. Why would you investment money into a product that when you die your family doesn't get it???

Milton cuts to the chase and makes two very important points:1) there is only one reasons agents sell cash-value life insurance: COMMISSIONS.2) Cash-value life insurance IS term insurance - it just has a savings element attached to it that performs very poorly and has too many "gotchas".